Terms and Conditions

Acceptance of Terms

By accessing and using IntrinsiclyIQ ("the Platform," "we," "us," or "our"), you accept and agree to be bound by the terms and provisions of this agreement.

If you do not agree to abide by the above, please do not use this service. These terms apply to all users of the Platform, including free and paid subscribers.

Description of Service

Platform Purpose

IntrinsiclyIQ provides web-based financial modeling and analysis tools, including DCF (Discounted Cash Flow) analysis, comparable company analysis, and related financial calculations.

Educational Tool

Our platform is designed primarily for educational purposes and to assist users in learning financial modeling techniques. It is not intended to provide investment advice or professional financial guidance.

Service Availability

We strive to maintain service availability but cannot guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue any part of our service at any time.

User Responsibilities

Account Security

Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account.

Accurate Information

Users must provide accurate and complete information when creating accounts and using our services. You agree to update your information to keep it current.

Prohibited Uses

Users agree not to:

• Use the platform for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the integrity or performance of the platform
• Create false or misleading accounts or content
• Use automated systems to scrape or download data without permission
• Redistribute or resell platform access without authorization

Subscription and Payment Terms

Free and Paid Services

IntrinsiclyIQ offers both free limited access and paid subscription plans. Paid subscriptions provide expanded features and higher usage limits.

Payment Processing

Payments are processed securely through Stripe. By subscribing, you agree to Stripe's terms of service and authorize recurring charges.

Refund Policy

Subscriptions are billed monthly in advance. Refunds may be provided at our discretion for unused portions of subscriptions cancelled within the first 30 days.

Price Changes

We reserve the right to change our pricing at any time. Existing subscribers will be notified 30 days in advance of any price changes affecting their subscription.

Intellectual Property

Platform Ownership

IntrinsiclyIQ and all related software, content, and materials are owned by us or our licensors and are protected by intellectual property laws.

User Content

You retain ownership of financial models and data you create using our platform. However, you grant us a limited license to store and process this data to provide our services.

Third-Party Content

Financial data provided through our platform may be owned by third parties. Users must comply with all applicable terms of use for such data.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

By using our platform, you consent to our data practices as outlined in our Privacy Policy.

Disclaimers and Limitations

Service Disclaimer

Our platform is provided "as is" without warranties of any kind, either express or implied. We do not warrant that the service will be uninterrupted or error-free.

Investment Disclaimer

IntrinsiclyIQ is not financial advice. All calculations and analyses are for educational purposes only. Users assume full responsibility for their investment decisions.

Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any damages arising from your use of our platform, including but not limited to financial losses.

Termination

User Termination

You may terminate your account at any time by contacting our support team or through your account settings.

Our Termination Rights

We reserve the right to terminate or suspend accounts that violate these terms or engage in prohibited activities.

Effect of Termination

Upon termination, your right to use the platform ceases immediately. We may delete your account data after a reasonable period, though some information may be retained as required by law.

Governing Law

These terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

Any disputes arising under these terms shall be resolved through binding arbitration or in courts of competent jurisdiction.

Changes to Terms

We may update these terms from time to time. When we do, we will:

• Update the "Last Updated" date at the top of this page
• Notify users of material changes via email or platform notification
• Provide reasonable time for users to review changes before they take effect

Your continued use of the platform after changes constitute acceptance of the updated terms.